Manipal Cigna LifeTime Health

Manipal Cigna LifeTime Health Insurance is a health plan that prioritizes your healthcare needs and looks after them. The plan offers comprehensive coverage up to Rs. 3 crores each, for coverages in India and abroad. The plan offers 2 variants: LifeTime Health India Plan & LifeTime Global Plan.

The plan covers you at every stage of life for a lifetime. With a wide range of benefits and coverage, the plan is an ideal choice to cover yourself and your family members.

Read along to explore more about this plan:

Eligibility Criteria of Manipal Cigna LifeTime Health

**Last Updated on March, 2022

What Are The Key Features of Manipal Cigna LifeTime Health?

1. Hospitalization Expenses

   The plan looks after the hospitalization expenses of the insured in case of hospitalization more than 24 consecutive hours arising from a disease/ illness or injury.

2. AYUSH

   The plan covers the expenses incurred during the in-patient hospitalization for AYUSH, for an illness or injury that occurs during the policy year.

3. Adult Health Checkup

   One may avail a comprehensive health check-up at any of the company's network hospitals if the Insured Person is of age 18 years or above at the start of the policy year.

4. Robotic and CyberKnife Surgery

   The plan covers the expenses incurred towards Robotic or Cyberknife Surgery of the insured person subject to the illness/ injury being covered under 'Hospitalisation Expenses'.

5. Modern Advancement Treatments

   The listed modern and Advanced Treatments are covered by the plan, subject to illness/ injury being covered under Hospitalisation Expenses.

6. Restoration of Sum insured

   In case your coverage is exhausted due to the claims made, then in such cases, the plan will provide for a 100% restoration of the sum insured for any number of times in a policy year for an unrelated illness or injury.

7. Premium Waiver Benefit

   If the insured suffers from Permanent Partial Disablement, Permanent Total Disablement, death due to an injury caused by an accident, or he/she is diagnosed with a listed Critical Illness mentioned in the policy, then the plan will pay the next Renewal Premium of the Policy for next 1 year.

   Once the claim is accepted and paid, the cover will terminate automatically.

8. Coverage Outside India

   The plan offers coverage across the globe in case the insured suffers from any illness or injury. The plan offers:

   • Global Hospitalization for Major Illness
   • Global Pre - hospitalization
   • Global Post - hospitalization
   • Global Ambulance Cover
   • Medical Repatriation
   • Repatriation of Mortal Remains
   • Global Travel Vaccination
   • Global Robotic and CyberKnife Surgery
   • Global Modern and Advanced Treatments

9. Optional Packages

   The plan comes with three optional covers that are:

   • Health+
   • Women+
   • Global+

   Refer to the below table to understand what is covered under these optional covers:

   Health+	Women+	Global+
   Air Ambulance Cover Medical Devices and Non - Medical Items Domestic Second Opinion Bariatric Surgery Cover Convalescence Benefit Major Illness Hospi Cash Chemotherapy and Radiotherapy Cash Accidental Hospi Cash Domestic Concierge Services Tele - Consultations	Breast Cancer Screening Cervical Cancer Screening Cervical Cancer Vaccination Ovarian Cancer Screening Osteoporosis Screening Gynecological Consultation Psychiatric and Psychological Consultations	Global Hospi Cash Global Convalescence Benefit Global Out Patient Expenses Global Chemotherapy and Radiotherapy Cash Travel Expenses Benefit Global Second Opinion

   **Last Updated on March, 2022

10. Add-On Cover for Critical Illness

    One can avail an add-on cover that will cover the expenses if the insured is diagnosed with 11 listed Critical Illnesses Available on payment of additional premium.

Sample Premium Illustration of Manipal Cigna LifeTime Health:

To understand how the premium payable under both the variants is different, refer to the below graph, which shows how the premium for the Indian Plan and Global Plan is different under different sum insured options:

Premium Payable Under ManipalCigna LifeTime Health Indian Plan vs Global Plan

Coverage Table of Manipal Cigna LifeTime Health

**Last Updated on March, 2022

What Is Not Covered Under Manipal Cigna LifeTime Health

• Investigation & Evaluation
• Rest Cure, rehabilitation, and respite care
• Obesity/ Weight Control
• Change-of-Gender treatments
• Cosmetic or Plastic Surgery
• Hazardous or Adventure sports

How To Buy ManipalCigna LifeTime Health Plan?

You can buy the ManipalCigna LifeTime health plan directly from the company’s official website or you can buy it from PolicyX.com. Below we have shown both the buying process in detail:

How Can I Renew My ManipalCigna LifeTime Health Plan Online?

Let's discuss the renewal process of Manipal Cigna Health Insurance. Follow the below steps to renew your policy easily:

• Visit the official website of Manipal Cigna Health Insurance and click on the 'Renew' option.
• Enter your policy number and click 'Proceed' Fill in other information, if prompted.
• You will get the renewal premium amount.
• Click on the 'Pay now' option to make the online payment.
• On successful payment, you will receive a policy transaction number. A new policy kit will be emailed to you within 48 hours.

How To File A Claim For ManipalCigna LifeTime Health Plan?

Cashless Process

• Inform the company about planned (48 hours prior) or unplanned (within 24 hours) hospitalization.
• Provide the health card and ID proof at the network hospital.
• Then, the network hospital will send the pre-authorization form and medical records to ManipalCigna, which will verify all the details.
• During discharge, the network hospital will send the discharge summary to the company authorizing the amount.
• Once everything is sorted, ManipalCigna will make the payment to the network hospital.

Reimbursement Process

• Intimate the company about the hospitalization. Get the treatment done and pay the expenses.
• During discharge, collect all the necessary documents such as original hospital bills, receipts, discharge summary, investigation reports, pharmacy bills, and submit them to ManipalCigna with the duly filled claim form.
• ManipalCigna will assess the documents.
• If the claim is approved, the amount will be transferred to your registered bank account.